Short Term Medical Insurance- affordable temporary health insurance « Health Insurance Advisory

Short Term Medical Insurance- affordable temporary health insurance

Short Term Medical InsuranceAn accident or illness can occur at any time which can lead to expensive medical bills.  Being uninsured for only a few months could cost you financially and jeopardize your nest egg.  Short term medical insurance is designed to provide inexpensive protection for less than 12 months.  Since coverage starts the day after you apply a short term medical insurance policy, you do not have to go unprotected.

Short term medical insurance is a great alternative for individuals who need affordable temporary health insurance for 1 to 12 months.  This type of medical insurance may be right for you if you are:

  • Between jobs and want to maintain continuous health insurance coverage to help protect your HIPAA rights
  • A new graduate without health insurance
  • Recently laid off or between jobs and need medical insurance
  • Newly hired and are waiting for your employer’s group health insurance to begin
  • Recently divorced and need immediate medical insurance coverage
  • Returning from active military duty and looking for employment that provides health insurance
  • In a waiting period and need medical insurance until your new health insurance becomes effective

Other important highlights of short term medical insurance:

  • Plans can be tailored to fit your coverage needs and financial budget (choice of deductible, coinsurance and maximum out-of-pocket)
  • Usually provides coverage for medical expenses, such as:

- Physician office visits
- Lab, x-ray and diagnostic tests
- Surgery
- Hospitalization
- Anethesia
- Mammography and pap smears
- Ambulance
- Prescription drugs

  • Coverage can begin as early as the day your application is submitted and the required premium is paid
  • Most states allow you to re-apply for a new short term medical plan if you need coverage after the policy expires
  • Short term medical insurance is subject to medical underwriting, as each applicant is required to answer medical questions. Depending on the response, the health insurer will either accept or reject the application.

Short term medical insurance may not be right for you if your medical insurance need is greater than one year or you have a serious or significant pre existing health condition.  Once the short term medical insurance policy expires coverage cannot be renewed. This means you must reapply for a new short term medical insurance plan and meet the health insurers medical underwriting guidelines again.

Like most medical insurance, pre existing health condition(s) are subject to limitations with short term medical insurance. A pre existing condition is usually defined as a medical condition (ailment, disorder or disease) as a result of an illness or accident that was present twelve months prior to the effective date of the short term medical insurance plan.  Since most medical insurance covers pre existing health conditions after twelve months of continuous coverage under the policy, short term medical insurance will not pay benefits for a pre existing health condition.

Short term medical insurance is very popular because the premiums are significantly less than major medical insurance for individuals, families and the self-employed (which is considered permanent insurance).

Get a quote and apply online for affordable temporary health insurance and get covered tomorrow.  The process is fast, easy and convenient!

Short Term Medical Insurance, Individual Dental Insurance and Prescription Drug Card

  • Prescription Drug Card

    Are you paying for costly prescriptions out of your own pocket? Do you not have prescription drug coverage under your existing medical insurance plan? Save money on prescription drugs immediately with a no hassle low cost prescription drug card card. There are no pre-existing condition limitations or health questions to answer. Use the card immediately for instant savings. It is great for the entire family. Everyone qualifies, even children!

    Special features of the prescription drug card include:

    • Low cost – prices start as low as $19.99 per month
    • Convenient- accepted at 55,000 pharmacies nationally, such as Target, Walgreen’s, Long’s,  CVS, Costco, Publix and Save-On
    • Automatic, guaranteed acceptance- no underwriting or health questions
    • No restrictions- pre-existing condition limitations do not apply
    • No monthly or annual benefit payment maximums or caps- purchase as many medications as you need

    The prescription drug card uses a four tier formulary:

    • Tier 1 > generic drugs – you receive a benefit payment of up to $10.00
    • Tier 2 > brand name and select generic drugs – you receive a benefit payment of up to $20.00
    • Tier 3 > brand name and select generic drugs – you receive a benefit payment of up to $50.00
    • Tier 4 > brand name drugs – special discount only, no benefit payment

    Prescription Drug Card Short Term Medical Insurance  affordable temporary health insurance

    Get the most out of the prescription drug card by having your doctor prescribe medication within Tiers 1, 2 or 3. A generic, lower cost prescription medication within the same therapeutic class can often replace a moreexpensive brand name drug. If you choose the higher price brand name drug, however, you will receive a significant discount off the retail price of the drug.

    Tier 1 medications (card pays up to $10 per Rx), include:

    Tier 1 – Up to $10 Payment
    Dosage Quantity
    Glyburide 2.5mg 30 Tabs
    Allopurinol 100mg 30 Tabs
    Digoxin .125mg 30 Tabs
    Amoxicillin 250mg 30 Caps
    Penicillin 250mg 30 Tabs
    Tetracycline 250mg 30 Caps
    Estradiol 1mg 30 Tabs
    Propranolol 40mg 30 Tabs
    Trazodone 100mg 30 Tabs
    Alprazolam .25mg 30 Tabs
    Hydrocortisone 2.5% 30 gm
    E.E.S. 400 Tabs 30 Tabs
    Atenolol 50mg 30 Tabs
    Lisinopril 10mg 30 Tabs
    Furosemide 40mg 30 Tabs

    Tier 2 medications (card pays up t0 $20 per Rx), include:

    Tier 2 – Up to $20 Payment
    Dosage Quantity
    Minocycline 50mg 30 Caps
    Sulfasalazine EC 500mg 30 Tabs
    Naproxen EC 375mg 30 Tabs
    Amoxil Chw 400mg 30 Taps
    Enalapril 5mg 30 Tabs
    Piroxicam 20mg 30 Caps
    Amaryl 1mg 30 Tabs
    Lanoxin .25mg 30 Tabs
    Synthroid 100mcg 30 Tabs
    Ranitidine 300mg 30 Tabs
    Etodolac 200mg 30 Cabs
    Zolpidem 10mg 30 Tabs
    Fluoxetine 20mg 30 Cabs
    Dilantin 1000mg 30 Cabs
    Glucotrol XL 2.5mg 30 Tabs

    Tier 3 medications (card pays up t0 $50 per Rx), include:

    Tier 3 – Up to $50 Payment
    Dosage Quantity
    Accoloate 10mg 30 Tabs
    Buspar 5mg 30 Tabs
    Bactroban cream 2% 15 gm
    Diovan 40mg 30 Tabs
    Cardene 30mg 30 Caps
    Lortab 10mg 30 Tabs
    Kenalog Lotion .01% 60 gm
    Paroxetine Hcl 20mg 30 Tabs
    Rampiril 5mg 30 Tabs
    Cytomel Tab 50mcg 30 Tabs
    Macrodantin 25mg 30 Caps
    Topicort LP Cream .05% 15 gm
    Allegra 60mg 30 Tabs
    Premarin .625mg 30 Tabs
    Glucophage XR 750mg 30 Tabs

    Tier 4 medications (discount only), include:

    Tier 4 – Discount Only
    Actonel Actos Ambien
    Amerge Atacand/ HCTZ Avandia
    Avinza Cipro XR Concerta
    Cozaar Crestor Detrol LA
    Foradil Hyzaar Ketek
    Lexapro Lipitor Lotrel
    Lumigan Mobic Nexium
    Novolog Paxil Travatan
    Valtrex Viagra Zetia

    Since this prescription drug card pays up to the fixed payment for drugs specified in each tier indicated above, it is not considered insurance.

    Start now by enrolling in this hassle-free prescription drug card program. It is fast, easy and online. If within 10 days of purchase you are not satisfied and have not used the prescription drug card, then return the prescription drug card program for a refund.

    At healthinsuranceadvisory.org, we help you secure low cost medical insurance and inexpensive dental insurance. Get affordable medical insurance quotes and apply online from healthinsuranceadvisory.org today.

  • Individual Dental Insurance

    According to the American Dental Hygienists’ Association, oral health is a critical component of total health. Recent research has linked periodontal disease to heart and lung disease, diabetes, low-birth weight babies, and a number of other systemic diseases.

    Dental caries (decay) is the most common chronic disease nationally affecting 53% of 6-8 years olds and 84% of 17 year olds. Fortunately, caries is preventable through the use of fluoride and dental sealants and is less than half the cost of one silver filing.

    Serious oral health problems also occur among adults too. Each year about 30,000 Americans are diagnosed with oral and pharyngeal (throat) cancers, and more than 8,000 people die of these diseases. In addition, almost 30% of elderly adults no longer have their natural teeth due to tooth decay and gum disease.

    As the cost of dental care increased over the years, dental insurance has gained in popularity.  Many employers offer some form of group dental insurance today.  However, it is estimated that only 62% of employers actually offer full coverage dental insurance.

    If you are paying too much or do not have full coverage dental insurance, an individual dental insurance plan will help promote your overall health and wellness, and protect your pocketbook.

    Studies show those without full coverage dental insurance are less likely to see a dentist than those with dental insurance. The uninsured tend to visit a dentist only when they have a problem and forgo important preventive care (cleanings, exams and x-rays) which tend to result in health issues and expensive dental treatment down the road.

    Cost of restorative treatment is more expensive than preventive services

    The Coalition for Oral Health, representing a wide spectrum of oral health associations, reported that one-dollar spent for prevention saves from eight to fifty dollars in restorative care (see chart below):

    Average Cost of Common Dental Procedures Min. Cost Max. Cost
    Exam & Cleaning $86 $110
    Complete X-Ray Series $123 $171
    Filling $119 $181
    Root Canal $1,315 $2,351
    Crown $1,144 $1,443

    The importance of preventative dental care

    Good oral hygiene can prevent disease. The early detection and treatment of oral disease is critical to saving lives. During oral health examinations, dental hygienists can detect signs of many diseases and conditions like HIV, oral cancer, eating disorders, substance abuse, osteoporosis, and diabetes. In addition, dental hygienists can work with patients to develop oral health care treatment plans that manage oral infection so it does not exacerbate serious diseases.

    Many states have undertaken various strategies to address the access-to-oral-health problem by providing incentives to dental providers to serve people enrolled in Medicaid or the State Children’s Health Insurance Program (SCHIP).

    Full coverage dental insurance- covered services

    Most individual dental insurance plans usually pay some or all of the cost of the following dental services and supplies:

    1. Preventive: cleaning, exams, sealants and fluoride treatment

    2. Diagnostic: bitewing x-rays and full mouth x-rays

    3. Basic: fillings, simple extractions and repairs

    4. Major: oral surgery, periodontics (treatment of diseases affecting the gums and supporting structures), prosthodontics (replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices) and endodontics (treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals)

    5. Orthodontia: correcting irregularities of the teeth by the use of braces or other devices (orthodontia is an optional benefit under most individual dental insurance plans and services are covered for juveniles only).

    What are the most common reasons for purchasing full coverage dental insurance?

    An individual dental insurance plan can benefit you in many ways, including:

    1. Financial protection – without some form of dental insurance to help cover the expense of dental care, the cost of paying for expensive dental procedures, such as restoration, surgery, endodontic and periodontal services, is simply not affordable.

    2. Maintenance of a healthy mouth and overall wellness – studies show that regular dental check-ups and cleanings help maintain overall health. That is why most dental insurance pays 100% for routine exams and cleanings every six months.

    3. Prevention for children – from fluoride treatment to sealants and braces, children can benefit significantly from regular professional dental care. Dental insurance can help make the cost of preventive care more affordable, even orthodontia.

    Types of Full Coverage Inexpensive Dental Insurance

    There are several types of individual and student dental insurance plans, including:

    • Dental Preferred Provider Plans
    • Dental Maintenance Organization (DMO) Plans
    • Scheduled Reimbursement Dental Plans
    • Discount Dental Plans

    Indemnity Dental Insurance

    These are “traditional” dental insurance plans where the dental insurance plan covers a percentage of your dental expenses. Since there are no network providers, dental services can be obtained from any dentist.

    After you satisfy the deductible, the dental insurance plan generally pays for covered services up to an annual maximum, usually between $1,000 and $2,000. Indemnity dental insurance will pay based on the Reasonable and Customary (R&C) expense. That means if your dental provider charges more than the R&C expense, as determined by the dental insurance company, you will be responsible to pay the difference. Additionally, individual dental insurance may have waiting period(s) for certain services.

    Dental Preferred Provider Plans (PPO)

    Although, generally less expensive than indemnity dental insurance, PPO (Preferred Provider Organization) dental plans work very much the same way. They also offer the option to obtain dental care from a network provider. Since the dental insurance company has negotiated discounts with participating providers, you pay less for dental services. While individuals can also seek treatment from dentists outside of the PPO, they will have higher out-of-pocket costs.

    Just like indemnity dental insurance, benefit payments made by the dental insurance plan can be paid to you or directly to your dentist, if you assign them. Reasonable and Customary, however, does not apply when dental services are received from a network provider. That means your dentist cannot bill you for the difference between the negotiated rate and his/her retail charge for the services rendered.

    DMO Dental Insurance

    These dental plans, also called DMO’s, operate the same as health maintenance organizations. As a result, they maintain a much smaller network of dental providers because DMO’s pay a set fee each month to the participating dentist you select.  DMO plans reward participating dentists who keep patients in good health and keep plan costs low. The premium for a DMO dental plan is generally the lowest of any type of dental insurance plan. Your out-of-pocket expense for dental services is also less too. However, the trade off is less flexibility because there are much fewer dental providers to choose from than traditional PPO dental plans and care must be rendered by the dentist you select.

    Scheduled Reimbursement Dental Plans

    A scheduled reimbursement dental plan pays a fixed dollar amount based on the fee schedule that appears in the dental insurance policy. This fee schedule lists a wide range of dental services and shows exactly how much the dental insurance plan will pay you for each service. Most scheduled dental plans include a deductible and calendar year maximum. Some have waiting periods for certain procedures. You are responsible for paying your dentist the difference between what the dental insurance policy pays and the amount of your dentist’s actual charges.

    Dental Discount Plans

    Discount dental plans are not insurance. They simply provide discounts for a wide range of dental services when care is obtained from a participating dentist.  Health discount plans represent a great value and alternative if you do not have or cannot afford individual dental insurance.

    At healthinsuranceadvisory.org, we offer a FREE health discount plan. This program provides significant discounts on prescription drugs, dental expenses and vision services at major chains and local providers across the country. No enrollment, membership or monthly fees. Use it immediately. There are no usage restrictions and you are not required to provide personal information to get one!

    Start saving today. You will realize discounts up to 65% on prescription drugs, 25% to 40% over usual charges for dental services and 10% to 50% off eyewear, contact lenses and exams. Download and print your FREE health discount card now!

    Our online dental insurance quotes allow you to quickly and easily find an affordable individual dental insurance plan.  You can even enroll online too!

    Since dental insurance rates are regulated, the dental insurance premium you pay is the same as buying direct from the health insurer.  At healthinsuranceadvisory.org, you have total peace of mind knowing that you are paying the best possible price.


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